AD & D Insurance
Accidental death and dismemberment (AD&D) insurance complements your life insurance with coverage for severe accidents or loss of life on or off the job.
Voluntary Accidental Death and Dismemberment (VAD&D) Insurance
The VAD&D insurance pays benefits if you suffer a covered accident that results in paralysis or the loss of a limb, speech, hearing or sight, or if you suffer a covered fatal accident. It can provide financial security should a sudden accident take your life or cause you serious loss or harm and helps protect you 24 hours a day, 365 days a year.
Note: Retirees and their family members are not eligible for VAD&D coverage.
Voluntary Accidental Death and Dismemberment (VAD&D)
The VAD&D coverage is a voluntary benefit in which you pay the entire premium.
VAD&D coverage is available in amounts of $100,000 up to $300,000 in $100,000 increments for you or for you and your family.
In the family plan, the dependent will receive a percentage of the employee’s VAD&D coverage.
Family Plan Percentage
- Spouse + children – 55%
- Spouse only – 65%
- Each child + spouse – 15%
- Child only – 25%
Note: Each dependent child eligible up to a maximum of $50,000.
Premiums for VAD&D coverage are based on the amount of coverage you elect. These rates are guaranteed until December 31, 2026.
VAD&D rates
| Employee only coverage amounts | Monthly cost of coverages |
|---|---|
| $100,000 | $1.20 |
| $200,000 | $2.40 |
| $300,000 | $3.60 |
| Employee + family coverage amounts | Monthly cost of coverages |
|---|---|
| $100,000 | $2.30 |
| $200,000 | $4.60 |
| $300,000 | $6.90 |
Designating a Beneficiary
Is your VAD&D insurance beneficiary information up to date?
You should name a beneficiary for your MetLife insurance coverage(s). This ensures that MetLife will distribute the policy proceeds the way you want after your death.
If you don’t name a beneficiary, or if your beneficiary passes away before you, your insurance proceeds will be paid in accordance with the Facility of Payment as outlined in your Summary Plan Description (SPD) for Life benefits, listed below in the following order:
- Your spouse;
- Your child(ren);
- Your parent(s);
- Your siblings; or
- Your Estate
We encourage you to take a few minutes to review your beneficiary designations, especially after a life event, such as marriage, divorce, birth of a child, etc.
Watch this video to understand the process to add or modify your beneficiaries.
What you need to do:
Please complete the steps below to name or update your beneficiaries through MetLife’s MyBenefits website as soon as possible:
- Gather the following information about each of your beneficiaries
- For individuals, you need the beneficiary's full name, full address, phone number and date of birth.
- For trusts, you need the trust name, address, phone number and trust date.
- Visit the MyBenefits website and enter ‘State of Maryland’ as the Company Name
- Log in to your account by entering your username and password. First time users will need to click “Create a New Account” to choose a username and password and to establish security questions.
- After you log in, click “Add/Update Beneficiaries” and follow instructions to review and update.
- Enter details about each of your beneficiaries.
- Print a copy of your completed beneficiary information for your records.
Changes to your beneficiary are effective immediately. You will also receive an electronic confirmation notice, which allows you to easily print a paper copy of your designations for your records.
If you don’t have access to the internet, contact MetLife at 1-866-574-2863 and request a Beneficiary Designation Form.
VAD&D Insurance FAQs
This is a competitively priced1 way to protect your family and finances in the event something happens to you. For many people, these coverages help ensure that if the unforeseen should happen, short- and long-term financial obligations could be met. If you have a spouse and/or children, they may rely on you to help keep the household running. It’s important to take steps to make sure your family would be financially prepared if you were no longer there to handle expenses like:
- Mortgage or rent payments
- Insurance premiums
- Transportation
- Utilities
- Child care/education fees
- Credit card
It may be less expensive than you think. MetLife’s group life insurance plans are an economical way for you to provide for your family with competitive group rates1 and a wide range of coverage options to choose from.
Enroll today
1 Cost of insurance rates are determined using methodologies that vary by company. These rates can vary and will generally increase with age. Rates for active employees may be different than those available to terminated or retired employees. It’s important to look at all factors when evaluating the overall competitiveness of rates and the value of life insurance coverage.
This summary provides an overview of your plan’s benefits. These benefits are subject to the terms and conditions of the contract between MetLife and your Plan Sponsor and are subject to each state’s laws and availability. Specific details regarding these provisions can be found in the booklet certificate.
Accidental Death & Dismemberment insurance does not include payment for any loss which is caused by or contributed to by: physical or mental illness, diagnosis of or treatment of the illness; an infection, unless caused by an external wound accidentally sustained; suicide or attempted suicide; injuring oneself on purpose; the voluntary intake or use by any means of any drug, medication or sedative, unless taken as prescribed by a doctor or an over-the-counter drug taken as directed; voluntary intake of alcohol in combination with any drug, medication or sedative; war, whether declared or undeclared, or act of war, insurrection, rebellion or riot; committing or trying to commit a felony; any poison, fumes or gas, voluntarily taken, administered or absorbed; service in the armed forces of any country or international authority, except the United States National Guard; operating, learning to operate, or serving as a member of a crew of an aircraft; while in any aircraft for the purpose of descent from such aircraft while in flight (except for self-preservation); or operating a vehicle or device while intoxicated as defined by the laws of the jurisdiction in which the accident occurs. Specific information pertaining to your insurance can be obtained by contacting your benefits administrator or MetLife.
Life coverage is provided under a group insurance policy (Policy Form GPNP99/G2130-S) issued to your employer by MetLife. Life coverage under your employer’s plan terminates when your employment ceases, when your Life contributions cease, or upon termination of the group contract. Should your life insurance coverage terminate for reasons other than non-payment of premium or voluntary cancellation, you may convert it to a MetLife individual permanent policy without providing medical evidence of insurability.